◆ 2026 snowbird guide

Snowbirding to Florida in your RV: the 2026 guide

Border paperwork, six-month math, insurance and the three rest stops nobody tells you about.

The six-month rule

Canadian snowbirds can spend up to 182 days per calendar year in the US without becoming tax residents. Most Quebec retirees cross in mid-November and return in late April — five-and-a-half months, comfortable margin.

Before crossing

  • Passport: 6+ months validity past return.
  • RV insurance: get written confirmation of US coverage from your broker. Liability boost recommended ($2M minimum).
  • Travel health insurance: non-negotiable. Underlying conditions push premiums up — get quotes early.
  • SAAQ registration valid for the full stay.
  • Prescriptions: bring a 90-day supply + paper script. Refills in the US are expensive and often refused without a US doctor.
  • Banking: a US-dollar account and a no-FX-fee credit card pay for themselves in week one.

The route, 1 850 km, 3 days

Quebec → I-87 / I-95 → North Carolina → Georgia → Florida. Stop nights at Albany NY (Crossroads RV Park), Greenville SC (Springwood Park) and Brunswick GA (Coastal Georgia RV Resort). All three pull-through, no reservation needed in low season.

Florida park selection

  • East coast (Atlantic): windier, sandier. Best for ocean walkers.
  • West coast (Gulf): calmer water, more Canadian retirees, slightly higher prices.
  • Central: cheapest, hottest, farthest from beaches. Good for golfers.

Realistic budget · 5 months

RV site (Gulf coast park, weekly)$1 800 / month
Fuel (round trip + local)$1 200
Travel insurance (couple, 65 yo)$3 400
Groceries + dining$1 100 / month
Activities + tolls$300 / month
Total ~5 months$20 100 CAD

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